Market Overview
Home Prices in Whitesboro, TX
The median home value in Whitesboro, TX is $354,910 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.2% compared to a year ago and up 0.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Whitesboro are priced13% below average. Whitesboro is part of the Sherman-Denison, TX metro area.
Over the past five years, Whitesboro home values have risen by approximately20.5%, reflecting strong long-term appreciation in this market.
Price History
Whitesboro Home Price Trend
City Comparison
Whitesboro vs. National Median
At $354,910, homes in Whitesboro cost 13% below the national median of $410,000. This makes Whitesboro a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Whitesboro?
20% Down Payment
$70,982
on $354,910
Monthly P&I
$1,851/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,351/mo
incl. taxes & insurance
Income Needed
$94,040
gross annual (30% rule)
10% Down Option
$35,491
+ PMI applies
Loan Amount (20% dn)
$283,928
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Whitesboro, TX?
The median home value in Whitesboro is $354,910 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.2% year-over-year.
How much have home prices changed in Whitesboro?
Over the past year, home values in Whitesboro have decreased by 1.2%. Over five years, prices have risen approximately 20.5%.
How much do I need to earn to buy a home in Whitesboro?
To comfortably afford the median home price of $354,910 with a 20% down payment ($70,982) at today's rates (6.8%), you'd need a gross annual income of approximately $94,040. This assumes keeping total housing costs at or below 30% of gross income.
How does Whitesboro compare to the national average home price?
The national median home value is approximately $410,000. At $354,910, homes in Whitesboro are 13% below the national average.
What metro area is Whitesboro part of?
Whitesboro is part of the Sherman-Denison, TX metropolitan area. Home prices and market conditions can vary across the broader metro region.